Tag: Financing

SBA Financing – Ameris Bank, sba financing.#Sba #financing


SBA Financing

Over half a century ago, Congress created the Small Business Administration (SBA) to offer small businesses financing options and funding to start and grow their company. Ameris Bank has a team of SBA lenders with many years of experience, ready to provide financing options to qualifying businesses. Our small business financing options provide flexible terms to improve repayment ability and preserve working capital.

  • SBA Preferred Lender
  • Terms as long as 25 years
  • Fast loan processing, competitive loan rates, and one-on-one service
  • As low as 10% equity requirements
  • Small business financing options include: real estate loans, franchise lending, business acquisitions, equipment loans and working capital and inventory loans

Popular SBA Lending Solutions

Sba financing

Financing Options

Ameris Bank SBA Financing offers an array of products designed for the needs of small businesses of all sizes, across numerous industries. Learn More

Sba financing

Frequently Asked Questions

When researching SBA financing options, you may have questions. We’ve compiled a list of answers to frequently asked questions for quick reference. Learn More

Sba financing

Apply Now

You can expedite the application process by completing our SBA online form. Once submitted, a member of our SBA team will contact you directly. Learn More

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Financing Small Business Loan – Online Cash Advances Payday Loans, financing a business.#Financing #a

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Finance and support for your business, new business financing.#New #business #financing


Finance and support for your business

Access to finance is a scheme for businesses who need help raising finance for growth.

Provides free business development support and guidance.

Loan and grant fund to support automotive and aerospace projects in the West Midlands and Liverpool.

Training and advice to encourage the establishment of co-operatives.

Advice and support for businesses in southern England.

Business advice and support for individuals starting a business.

Advice on good practice in employment and employment relations.

Specialist advice and training for problem solving and service provision in agriculture, animal health, food, environment and biosciences in Northern Ireland.

Grants and support to increase research, development and innovation in agritech.

Helps businesses employ apprentices by providing them with training opportunities.

Business support, training and advisory services for the Ards Borough Area.

Armagh Business Centre offers tailored support for businesses in Nothern Ireland.

Loans for new and existing small businesses to create and safeguard jobs in the West Midlands

Grants for programming costs, organising and running arts programmes in Nothern Ireland.

Funding for creative organisations and projects in Wales

Vouchers to access external expertise, facilities and equipment to help your business innovate and grow.

Information and guidance on working in environment with asbestos.

Specialist advice for small businesses based in Northern Ireland.

Training of motor mechanics in electronic diagnosis of faults.

Free support, help with finance and low-cost flexible workspace for new and existing small or medium businesses in Barking and Dagenham.

Loans to help small and medium-sized businesses develop and grow.

Offers free support and guidance for graduates of any university in England, Scotland, Wales and Northern Ireland to start a business.

Support for beef and sheep farmers in Wales.

Subsidised broadband installation for businesses that can’t access an affordable broadband service with a speed of at least 2MB per second.

Free, quick and easy access to a directory of approved finance suppliers for UK businesses.

Big Issue Invest helps social enterprises and charities by providing loans and investments.

Support for scientists and business specialists to solve a process, material, or product development challenge.

Advice and support for businesses across Lancashire: including coaching, mentoring, skills training, funding and start-up support.

Business grants to install high speed broadband connections directly to a premises in Cardiff and Swansea

Funding for the installation of broadband to areas in Wales where existing providers don’t provide a service.

Grant funding to the value of £1,000 available to invest in projects that will help grow your business.

Free business support and advice tailored to your business needs.

Grants to help Swansea City centre businesses improve their shopfronts or building facades

Free support for small and medium-sized businesses in the development of products and services that reduce carbon usage.

Free one to one advice for pre-start and new businesses based in the South East of England

Advice, workshops, loans and innovation grant services for start-up and trading businesses in Cambridgeshire, Essex, Norfolk and Suffolk

Free advice, planning and on-going support for business start-ups in south-east England

Advice on topics like licensing, finances, recruitment and development for new and established businesses based in Wales

Information, advice, training and support for businesses based in North Somerset

Start-up advice and support for businesses in Essex

Advice, databases, publications and workshops for business owners, innovators and entrepreneurs who want to grow.

Programmes to support businesses and social enterprises in Northern Ireland.

One-to-one advisory sessions and specialised workshops available for businesses in Derbyshire, Nottinghamshire and Greater Lincolnshire.

Alternative financing for UK small business owners.

One-to-one and online business advice from 6 business centres on starting, growing or relocating your business in East Riding.

Business planning, sales, marketing and social media workshops and advice for Tees Valley residents thinking of starting a business.

Increases awareness of business continuity management in Manchester’s business and voluntary sector.

Start-up and development grants for businesses in Wales.

Grants to help start-up and established small and medium-sized businesses (SMEs) in North Yorkshire to grow.

Energy reviews and grants to help businesses in the West Midlands manage and reduce energy costs.


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Government grants and financing – Canada Business Network #business #loans #for #bad #credit


#business grants

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Government grants and financing

Government departments and agencies provide financing such as grants, contributions, subsidies, and loan guarantees. Find out what type of government financing may be available for your business. Use the search tool or browse by type of financing.

Browse government financing by type

Explore opportunities to receive public funds to help springboard your business venture.

Examine these loans and other borrowing possibilities for your new or existing business.

Having trouble securing a loan for your business? A government-backed loan guarantee could help you attract creditors.

Looking for more return on your business expenditures? Browse potential tax benefits that could help reduce overhead.

Are high wage expectations making you reluctant to put up that Help Wanted sign? A wage subsidy program can put the perfect employee within your reach.

Searching for a long-term financial solution for your business? An equity investor may be willing to bank on your potential.

Date modified: 2016-05-05

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Same-Day Franchise Financing Up To $250K #successful #business #ideas


#franchise loans

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Franchise Financing

Looking for an easier way to get financing for your franchise? You ve come to the right place. Balboa Capital is a leading direct lender that specializes in franchise financing. We can structure and deliver a flexible, affordable solution that works within your budget. We make the entire process quick and efficient, and you will work with a single point-of-contact every step of the way. If you are purchasing new furniture, fixtures and equipment (FF E), starting the re-imaging process, or launching a property improvement program (PIP), we can help.

  • Financing Plans Up to $1 Million Per Owner/Operator
  • Franchise Working Capital Loans up to $1 Million
  • Credit Lines up to $500,000
  • Up to 70%/30% Soft Cost/Hard Cost Financing
  • 24-60 Month Terms
  • Up to 84-Month Terms for Acquisition Financing and Remodels
  • Easy Application Process
  • Competitive Rates
  • Fast Funding
  • Possible Tax Deduction Ask Your Accountant

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Government grants and financing – Canada Business Network #government #grants


#business grants

#

Government grants and financing

Government departments and agencies provide financing such as grants, contributions, subsidies, and loan guarantees. Find out what type of government financing may be available for your business. Use the search tool or browse by type of financing.

Browse government financing by type

Explore opportunities to receive public funds to help springboard your business venture.

Examine these loans and other borrowing possibilities for your new or existing business.

Having trouble securing a loan for your business? A government-backed loan guarantee could help you attract creditors.

Looking for more return on your business expenditures? Browse potential tax benefits that could help reduce overhead.

Are high wage expectations making you reluctant to put up that Help Wanted sign? A wage subsidy program can put the perfect employee within your reach.

Searching for a long-term financial solution for your business? An equity investor may be willing to bank on your potential.

Date modified: 2016-05-05

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Financing your new business #investment #news


#financing a new business

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You need to have a viable business idea. You must also have what it takes to make it work. You also must have enough money.

If you’ve got what it takes to start your own business, and you’ve done your research, forming a business is the next exciting leg on the journey.

Many people struggle with the financial side of managing their small business. Not everyone has a head for figures or wants to become an accountant.

If you want to run a legitimate enterprise, you must pay tax. It’s worth understanding your tax obligations before you start up to factor them in.

Many people, including some leading business representatives, argue that small firms are over burdened by the weight of business law.

It might be a cliché, but it remains true – planning without action is futile, while action without planning is fatal. You need a business plan.

Marketing matters. Marketing drives sales for businesses of all sizes by ensuring that customers think of their brand when they want to buy.

Premises provide the second-biggest overhead for many businesses. If you can start your business from your home, it will be much easier to break even.

The success or failure of a business can often rest in the hands of its most valuable asset – its people. But managing them can be a challenge.

There can’t be many firms in the UK, however small, that don’t use IT in some way. Many businesses simply couldn’t exist without IT.

Half of all new businesses fail within five years. So how do you survive and thrive? Find out how to scale up and become a high-growth business.

Financing your new business

Chartered certified accountant Raphael Coman of Coman Co explains the key start-up funding options

Finance is important to any business – especially at launch and during times of growth. Success can often depend on having access to the right finance, since many profitable businesses fail simply through a lack of cash. The following explains 12 common sources of start-up and development finance.

  1. An overdraft is the amount you owe on your account to the bank. Bank overdrafts can be repaid more quickly than formal loans and have no early repayment penalties. Banks often prefer to grant or extend an overdraft rather than make a loan.
  2. A loan is a more formal debt. Bank loans cannot be recalled, unlike overdrafts, and they can improve the certainty of cash flow forecasts and budgets.

Banks will ask for security on larger loans and this is often your home. This is known as a personal guarantee, and is a high-risk option.

You may secure loans of between £1,000 and £1 million under the Enterprise Finance Guarantee scheme. Under the scheme you pay a 2% annual premium on the outstanding balance of the loan and the government guarantees to pay the bank 75% of the loan value if you default.

You should have a business plan ready to show to lenders and investors and agree the terms of the financial arrangement in writing.

  • Obviously, you can invest personal savings in your business. The interest you forgo on savings is normally less than the interest you pay on borrowings. Interest received on savings is normally liable to tax, whereas interest paid on business borrowings can help reduce taxable profits.
  • You could ask family and friends to lend you money, provided they understand the risk of loss if the business fails.
  • Limited companies can issue shares. although this can dilute your ownership and control of your business.

    The British Venture Capital Association and the British Business Angels Association can introduce you to possible investors. A venture capitalist can bring skills and networks to strengthen your business, but they will normally want to be a director and will push for growth.

    The Venture Capital Trust scheme and Enterprise Investment Scheme (EIS) both provide tax incentives for investors wishing to buy shares in growing businesses.

    Under the EIS scheme there is scope for you to raise finance by purchasing your own company shares and deferring any capital gains you have made in the past three years.

    If a company disposes of more than 10% of its business under the EIS scheme, it will also be exempt from tax.

  • Organic growth through retained profits does not require any borrowing commitments or dilution of control. Reducing stock and debtors will improve cash flow.
  • Factoring enables you to obtain an upfront payment for the money owed to you by your customers. Commonly, factoring companies will lend up to 85 per cent of the amount outstanding.
  • Hire purchase allows you to pay for equipment in instalments, but it can be costly.
  • Leasing can enable you to use the latest equipment or machinery without actually owning it.
  • A small company pension scheme can be used to buy certain assets, such as commercial property, for use by the business and can borrow up to half of the finance required.
  • Government and local authority grants and loans on favourable terms may also be available.
  • Getting it right

    Raising finance is always challenging, especially for small businesses and particularly in a recession. In deciding on the best source of finance, you should take account of a number of factors, such as taxation, the long-term plans of the business and its ability to meet its repayment commitments.

    Financial planning is important, particularly when considering whether the business has the resources to manage expansion. A business plan is usually necessary for borrowing from a bank or other lending institution. It is also useful for focusing your mind on your objectives.

    Written by Raphael Coman of Coman Co.


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    Why Alternative Financing Options Might Be Best for Your Small Business #women #in #business


    #business financing options

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    Why Alternative Financing Options Might Be Best for Your Small Business

    The small business financing landscape is continually changing, with more options available to business owners than ever before. About half to two-thirds of these businesses seek financing from a number of places, from owner investments to non-bank sources. As small businesses continue to face challenges when it comes to gaining access to capital and taking advantage of opportunities to grow, it s important that they re seeking the right type of financing for their particular needs. There s been a lot of focus on alternative lending recently, but how do small business owners know when this is the right option to pursue?

    One of the most obvious and common answers is that businesses seek financing when they re faced with an unexpected opportunity or challenge that requires quick capital. In my early years as a restaurateur, I built a chain of casual dining restaurants that saw strong growth, solid revenue and profitability. We had all the right elements, but excess cash wasn t one of them. When I was presented with the opportunity to purchase the ideal property for a new location, there was only one issue — I needed $250,000. I was able to get the money quickly from an alternative lender, and I saw the power in this financing option.

    In my case and in the experiences of many others, this access to capital provided me the freedom and flexibility to take advantage of a deal that allowed my business to grow. I learned firsthand that when opportunities like these are handled properly, the benefits can be enormous.

    Most of the time, small businesses don t have the cash on reserve or an established line of credit that enables them to withdraw the necessary funds for these types of opportunities. Alternative sources of lending help fill that void by giving business owners access, availability and speed. The reality is that traditional banks aren t equipped to do this — and it isn t profitable for them to provide loans of under $200,000.

    So what are other situations small businesses often face that may benefit from an alternative source of financing? Check them out:

    • Purchasing discounted inventory, raw material or new equipment at a can t-miss price, such as a restaurant looking to make opportunistic purchases of wine during the holidays or a wholesaler in need of additional warehouse space and forklifts
    • Buying out a partner or to avoid taking on a partner who will own a chunk of the business and profits for life
    • Expanding to new locations
    • Harsh weather that forces a business to close days on end
    • Fluctuations in the economy that impact the bottom line
    • Unexpected occurrences that put pressure on cash flow and require an immediate influx of working capital, such as a refrigerator that stops working in a restaurant or a farmer needing to process the harvest

    To determine what type of financing makes sense for your business and situation, you must consider what exactly needs to be funded and the timing. Alternative lending helps provide flexibility of repayment and offers creative options, including small daily payments that fluctuate with sales volume. It s also important for small business owners to understand the rates associated with choosing an alternative lender. This type of financing is more costly than a traditional bank loan because these companies act as liaisons, borrow capital from other financial institutions and guarantee the payment. Essentially, they absorb the risk and the losses when a client defaults. This is also further emphasized when taking into consideration that an application can be underwritten and approved in hours instead of weeks with a bank.

    Whether you re a restaurant, retailer or medical practice, examining your situation closely will help determine the best financing option. Gaining access to capital can be the deciding factor in whether or not a small business grows or survives, so choose wisely when it comes to funding.


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    Business Acquisition Financing #small #business #consulting


    #business acquisition loan

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    Our Services

    Business Acquisition Financing/Leveraged Buyouts

    “It costs less to buy an existing business than to build one from the ground up,” say business experts.

    That could be why, despite credit often being elusive and economic uncertainty, there seems to be increasing leveraged buyouts and merger and acquisition activity. Motivating factors include the opportunity to get into emerging markets, new geographic territory, build brands and increase profits more quickly.

    Nearly 80% of companies recently surveyed anticipate at least one acquisition in the short term and, conversely, one-third of middle market firms are open to outside investors.

    In today’s rigid credit market, securing bank funding can be difficult for companies or transactions that don’t fit into the bankable box.

    If the target company does not have a lot of assets, positive cash flow and strong profit margins, traditional bank financing can be tough – if not impossible to find. Alternative commercial financing options are available.

    Key factors to the type and availability of funding is the structure and type of the company that is being acquired and its valuation and growth plan. Acquisitions often involve different layers of capital which could include debt financing, mezzanine financing and private equity, depending on these factors.

    Business Capital specializes in providing “out-of-the-box” capital solutions to fund any situation or acquisition.

    If a buyer or seller is not well versed in financing, it is vital to partner with a reputable firm, like Business Capital. that understands the complexities of the situation and all the available options to determine the right source and structure of financing for each specific business opportunity.

    Does your business plan include an acquisition in your future?

    When considering an acquisition (and alternatives for acquisition financing), key items to deliberate are:

    • The continued growth opportunity provided by the target company
    • The acquisition financing terms
    • The purchase price

    Many acquisitions that fail often do so because these factors are not carefully considered. Acquisition Financing is not “one size fits all.” Business Capital is expert in this type of complex transaction and will address each of these factors to structure and package the best solution with financing terms that are highly customized to each client’s needs; and also provide analysis of the purchase price to determine if it can be supported by the cash flow and assets of the acquisition, and falls within industry standards.

    Why Business Capital?

    Business Capital has been providing debt financing and restructuring services to small and middle market companies for over a decade. With a strong background in leveraged buyouts and acquisition financing, BizCap has a proven track record of successfully structuring and syndicating the optimal loan or loan combinations to quickly execute this type of transaction. We have developed solutions and are accustomed to the complexities in all areas of debt financing; we have the capacity and experience to provide, structure and coordinate event financing in all sizes, types, industries and situations. If necessary, our business debt restructuring practice can also reduce liabilities and debt to pave the way for a successful outcome.

    Click on the Links below to see our recent acquisition financing, leveraged buy-out restructuring for acquisition deals:


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    Simply Quick Business Loans Bad Credit Small Business Loans Financing #business #proposal #template


    #quick business loans

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    Welcome to Simply Quick Business Loans, where our namesake tells you everything you need to know about our financial specialty: quick business loans, even when you are turned down by the bank.

    Small businesses of all kinds run into financial issues every year. This isn’t necessarily a sign that a company is suffering. In fact, you can encounter serious financial barriers when you achieve overwhelming success. But, how do you deal with such issues when the bank turns you down for a conventional business loan?

    Simply Quick’s bad credit small business loans come to the rescue, supplying you with the short-term working capital you need to keep your business on the track to success.

    Specializing in All Types of credit for business loans

    Simply Quick offers secured loans, but we specialize in unsecured business loans to help companies all over the United States. We know that a quick infusion of cash into your business can help you accomplish so many different things:

    • Cover payroll and other expenses during a slow season
    • Fund construction projects
    • Upgrade, or purchase new, equipment
    • Purchase inventory
    • Take advantage of a new business venture

    The list goes on. When we extend our quick business loans, we do not put a lot of restrictions on the money. You get to spend the money however you see fit to bolster your business. We would never try to compromise your control over day-to-day operations.

    Raise your hand if you have perfect credit. The chances are, you probably are not raising your hand right now. Perfect credit is hard to come by and banks will disqualify you from a traditional business loan for just about anything.

    Don’t worry if you can’t make much progress with a bank. Our quick business loans with bad credit help provide common small business owners with the capital they so desperately need. These clients belong to a wide range of industries.

    How to get one of our bad credit small business loans

    The best part of it all is that we have simplified the process so that bad credit small business financing is easily accessible to both you and your company. All you have to do is apply online, over the phone or through the mail. Your application will be processed quickly and a decision will be made in a day or two. Once you are approved, you will get the money you need the very next day. Over 80 percent of applicants are approved for our quick business loans. This is significantly higher than big banks, which turn down even more applicants than we accept. We are looking out for small businesses because someone has to!

    At Simply Quick Business Loans, we want to keep it simple. When you’re ready to get your business loan from us, here’s how it will work.

    1. The first thing you will do when visiting our website is to complete a short online application. All of our applications are done online because this is the fastest way to get your loan approved. The application will include relevant information, such as the address and owner information, tax ID information, and business revenue.
    2. You will be asked to upload copies of specific documents with your application. All of these documents will be easily laid out for you. Once you have them collected and in an electronic format, simply upload them to our site.
    3. Next, our financial team will send you questions regarding your application and may also ask for additional documentation before getting your loan funds dispersed to your account. The faster you respond to these questions, the closer you are to getting your Simply Quick Business Loan.

    We created this 5 minute application process to make applying for your small business loan a uniquely simple experience. Our team will work hard for your business because we know how hard you work. Once the approval has been made we can get your funds to you quickly so your business can keep running without a hitch. Over 80% of our applications at Simply Quick Business Loans are approved and we want to help you be our next success story.
    Here are a few of the benefits of choosing a Simply Quick Business Loan:

    • We work with credit scores thought to be traditionally “bad,” as low as 450.
    • Simply Quick Business Loans require no collateral.
    • Approvals can happen in as short a time as 48 hours but often occur much faster. To ensure the fastest possible processing of your online application, be sure to respond to all of our financial expert’s questions and emails.

    f there is one thing we know for sure, it is the dedication of our customers to keep their businesses going that cannot be stopped and that makes us want to continue to offer quick business loans. A business never knows what challenge may be coming around the corner. Encountering a financial hardship or unbudgeted expense is not a sign of a poorly run business and we know that. We will do everything in our power to get you financed fast.

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    Trustworthy

    It took me 5 minutes to complete their online application. I was contacted the same day, and approved the next day. They have a slick and automated process, but I also feel now as if I’ve known these guys for years.


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